826011 Lower Napoopoo RdCaptain CookHI96704
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 826011 Lower Napoopoo Rd, Captain Cook, HI, 96704 in Captain Cook worth study. Rental yield 3.25%. The 3.25% gross yield is below cash-flow benchmarks at $1,670,000, but 5% annual appreciation, adding $461,390 over five years, frames this as a capital growth position. Rent of $4,529/mo partially offsets the $7,917/mo payment. Ziffy Mortgage finances appreciation-play properties (0.57 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $277,677.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.3% | 5.2% |
| Monthly Cash Flow | $(4,981) | $1,850 |
City averages based on Captain Cook market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $4,529 |
| Total Monthly Debt Service | $9,253 |
| DSCR Ratio | 0.49x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, book time with your loan officer →
Estimates assume 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1991
0.29 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96704, Captain Cook, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,899 (100%) |
| Owner Occupied HU | 3,490 (59.2%) |
| Renter Occupied HU | 1,263 (21.4%) |
| Vacant Housing Units | 1,146 (19.4%) |
| Median Home Value | $518,519 |
| Average Home Value | $654,193 |
Housing Distribution
Address Breakdown
Residential
1,676
Single Family
1,676
Multi-Family
0
Businesses
120
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Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
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Listed by: Tehani Sekona • Hawaii Development Group
Mls Name: Hawaii Information Service
Mls ID: #721019
